Is Chimney Repair Covered By Homeowners Insurance?

chimney repair services NJ
October 14, 2022

Is Chimney Repair Covered by Homeowners Insurance? 

Is chimney repair covered by homeowners insurance?  This post will answer all of the questions you may have about chimney services and homeowners insurance.

PRO TIP: You may not know this, but some companies such as New Jersey based Mimar Construction work directly with insurance companies!  Contact Mimar Construction at your convenience and they will put in the steps to make sure your chimney gets covered!

If You’re Wondering If Chimney Services Are Covered By Insurance Read This!

Have you just bought a home and are you asking yourself if chimney repairs are covered by homeowner’s insurance? If you are asking yourself this, you are often asking yourself too late. If the damage has been done for a while, it might not be covered. 

Chimneys are an important part of a home; however, they can also be extremely dangerous. They are not just dangerous to your house but to your family as well. That means that you will want to have it looked at and fixed as soon as you can. With that said, we are going to determine if your chimney repairs are covered by insurance or not. Keep reading to learn more about your question is chimney repair covered by homeowners insurance.

chimney 2
chimney 2

Insurance and Damages 

When disaster comes your way, it is one of the questions that you ask yourself. The answer is that it could possibly be covered. The chimney and fireplace are a part of your home, and many insurance plans are going to cover a chimney damage issue. However, all plans are going to be different. While there is a high possibility that it is covered, you must double check to ensure what is covered under your plan. 

Plus, while insurance may cover chimney repairs, they may not cover every type of chimney repair. The coverage is usually that of sudden damages or unexpected damages from a storm. Most insurance companies are not going to cover every day wear and tear that occurs. It must be a sudden occurrence from a storm for insurance to cover the problem. 

PRO TIP: Read this amazing article to learn who you need to call for chimney repair services!

When Insurance Covers 

Odds are that if you are reading this, you are wondering if your insurance will cover the repair or complete rebuild of your chimney. 

We are going to talk about the three common things that people will file a claim for. This includes fire, leaks, and collapse of chimney. You will need to ensure that you look at the policy you have and determine what caused the damages that you need to have fixed. The answer to whether it is covered or not will be determined by what caused the damage and your policy. You will also need an inspector to look over your damages before you file a claim as well. Keep reading to learn more. 

PRO TIP: Read our article to learn what is a home addition.

Leaking Chimney 

This is the most frequent problem that a homeowner will face. This is because every aspect of your chimney is facing the elements. People often do not understand how detrimental a leak is to a home. A small leak can cause you to have structural damage to your home. 

Your insurance will usually cover a leaking chimney. This is especially true if the damage was caused from a storm or other outside elements. Your insurance will usually help cover the costs of repairs. 

It is best to call your insurance company to discuss what is covered and what is not. If the damages are traced back to general wear and tear, you will be footing the bill on your own. 


Chimney fires are often going to be referred to as an unexpected or sudden event. This means that your insurance will cover it more times than not. Usually, your insurance policy will help cover damages that have occurred. Again, remember that it depends on your policy and what was damaged. Keep in mind that some instances are not going to be covered under insurance. 

Chimney Collapse 

While you may not notice your chimney is damaged and about to fall, it might be. It might occur suddenly and without warning. It is dangerous and could be deadly if people are in the way of the falling chimney. However, most insurance companies are going to state that they will not cover this problem. This is because it is deemed a structural problem. 

This is another reason that you should have annual inspections. You should also do routine maintenance to keep up with the life of your chimney. Doing this will ensure that your chimney is operating as properly as possible. Even if the chimney collapses due to an unexpected instance, you can have a challenging time proving that it was not damaged beforehand. 

If you are able to prove that the chimney was in proper order before the damages happened, insurance may cover it for you. For example, your chimney falls during a tornado, and you have maintenance records that prove it was structurally sound before the storm, your insurance will likely cover the damages. 

Wrapping Up: Is Chimney Repair Covered By Homeowners Insurance?

While your insurance may not cover the chimney, it could cover the damages that occurred to the house. Take the time to call us at Mimar Construction today for all and any chimney needs you may have. We can do inspections and all repair work that is needed. We will work with you and your insurance company to ensure that all needs are met, and everything is properly fixed. Check out our services and our location in NJ below:

You should now know is chimney repair covered by homeowners insurance and we wish you all the best.